She lived through the Korean War, the Cold War, and the space race. She didn’t win a world war. But she did make 1950s America a land of unprecedented prosperity.

Ruth believed in institutions and followed the rules. She also believed in traditional families and gender roles.

Today, Ruth is happily retired. Because many women of her generation stayed home to raise the children, her retirement fund is smaller than she’d like (Social Security and a modest IRA). Fortunately, her husband, Bill, spent his entire career with one employer (not unusual then). So between Bill’s corporate pension, his Social Security, and her retirement income, they live quite comfortably.

Like many retirees, Ruth worries about outliving her assets and needing long-term care at some point. She also worries about what will happen if Bill’s former employer cancels their post-retirement health insurance.

Because Ruth married—and had children—early in life, she and her husband haven’t paid a college bill in years. But that may change . . . her grandson is graduating from high school soon.

Do you see yourself in Ruth? Then click the tab(s) above to get more information.

Take control of your health and wellness. The first step is understanding how your lifestyle and medical history affect your health and well-being. Get started with these complimentary self-assessment tools.

Use this calculator to determine your payment or loan amount for different payment frequencies. You can make payments weekly, bi-weekly, semi-monthly, monthly, bi-monthly, quarterly, semi-annually or annually. You can then examine your principal balances by payment, total of all payments made, and total interest paid.

Like dandelions in a spring lawn, credit card offers pop up everywhere--stuffing your mailbox, flashing on the Internet, even falling from the magazines in your doctor's waiting room. And they all sound so attractive. "0% APR until next year!" "No fee if you transfer a balance now!" "Low fixed rate!"
You're thinking of applying for a card, but how do you decide which offer is best for you?

Managing your monthly budget can be difficult and frustrating. One of the most important aspects of controlling your budget is to determine where your money is going. This calculator helps you do just that.
By entering your income and monthly expenditures, you can see how much you have left to save and where your money is being spent. In addition, you can click the "View Report" button to compare your budget breakdown to our targets, which can help identify areas for improvement.

How much life insurance do you need? Enter your current assets, expenses, income and let us determine how much life insurance you need.
You can also adjust the inflation rate and your expected rate of return to see how these variables can impact your insurance needs. View the printable report for a year by year breakdown of your family's future income and expenses.

Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment. You can then examine your principal balances by payment, total of all payments made, and total interest paid. Press the report button to see a monthly payment schedule.

This calculator will sort through the monthly payments, fees and other costs associated with getting a new loan. By comparing these important variables side by side, this calculator can help you pick the loan that works best for you.

To use the personalized budget tool, you just need to create a no-cost user web account.
Fill in as many questions as you can so your budget will be realistic. If you don't know the answer, just fill in as much as you know or leave the question blank. If you need to stop at any point, your entry will be saved and you can come back to finish your budget later.
The site will not ask for your social security number or bank account numbers. Your personal information will not be shared with anyone unless you're working with a professional on your budget. Everything you write on this site is for your eyes only.

Should you consolidate your debt? This calculator is designed to help determine whether debt consolidation is right for you.
Enter your credit cards, auto loans and other installment loans balances by clicking on the "Enter Data" button for each category. Then change the consolidated loan amount, term or rate to create a loan that will work within your budget.

Consistent investments over a number of years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time.
This calculator demonstrates how to put this savings strategy to work for you!

What might it take to save one million dollars? This financial calculator helps you find out.
Enter in your current savings plan and graphically view your financial results for each year until you retire. Press the "View Report" button for a report that helps you see when you might hit your cool million - and what you might be able to do to possibly achieve this goal.

No, it's not too early to start planning and saving for retirement. The following topics will help you get started.

Don't Delay Your Savings!
Waiting to begin your savings plan can have a huge impact on your results. A delay of even a few years could cost you thousands of dollars.
This calculator helps show you how much postponing your savings plan can really cost.

Your Social Security Statement is a concise, easy-to-read personal record of the earnings on which you have paid Social Security taxes during your working years and a summary of the estimated benefits you and your family may receive as a result of those earnings.
request your no-cost statement today.

Use this calculator to help you create your retirement plan. View your retirement savings balance and your withdrawals for each year until the end of your retirement. Social security is calculated on a sliding scale based on your income. Including a non-working spouse in your plan increases your social security benefits up to, but not over, the maximum.

Creating a Roth IRA can make a big difference in your retirement savings. There is no tax deduction for contributions made to a Roth IRA, however all future earnings are sheltered from taxes. The Roth IRA provides truly tax-free growth.

Creating a Roth IRA can make a big difference in your retirement savings. There is no tax deduction for contributions made to a Roth IRA, however all future earnings are sheltered from taxes. The Roth IRA provides truly tax-free growth.

Do you wonder how much you might receive in Social Security? Use this calculator to help you estimate your Social Security benefits.
Remember, this is only an estimate. Your actual benefits may vary depending on your actual work history and income.

Contributing to a Traditional IRA can create a current tax deduction, plus it provides for tax deferred growth. While long term savings in a Roth IRA may produce better after tax returns, a Traditional IRA may be an excellent alternative if you qualify for the tax deduction.

What might it take to save one million dollars? This financial calculator helps you find out.
Enter in your current savings plan and graphically view your financial results for each year until you retire. Press the "View Report" button for a report that helps you see when you might hit your cool million - and what you might be able to do to possibly achieve this goal.